Privacy Policy

240 West 4th • P.O. Box 797 • Colby, KS 67701
Phone: (785) 460-3321 • Fax: (785) 460-9727 • Toll Free: (866) 460-3321

Privacy and Security Policy

Privacy Statement

We recognize that our relationships with current and prospective customers are based on integrity and trust. We work hard to maintain your privacy and are very careful to preserve the private nature of our relationship with you. At the same time, our business sometimes requires that we collect and/or share certain information about you with other organizations or companies. As such, we want you to be aware of how we handle nonpublic personal information. Our policies are procedures for collection and disclosing nonpublic personal information are detailed below:

We may collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other loan and account forms;
Information we receive from third parties such as credit bureaus
Information about your transactions with us, our affiliates, or others; and
Information we collect when you visit our Internet web site.

To the extent permitted by law, we may disclose to our affiliated companies the following information:

Information we receive from you on an application or other forms, such as your name, address and social security number and Information regarding your credit experience with us including your credit history

We require anyone to whom we disclose your personal information to protect its confidentiality and to use it solely for the purpose for which it is disclosed. Otherwise, we do not disclose any nonpublic personal information about our customers or former customers unless authorized by that customer or as permitted by law.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with applicable regulatory standards to guard your nonpublic personal information.

This privacy policy notice applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family, or household purposes.

MEMBER FEDERAL DEPOSIT INSURANCE CORPORATION

Security Statement

Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer.   It features a VeriSign-issued Digital ID for the bank’s internet Service Provider hosting our website, Secure Sockets Layer(SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

Secure Date Transfer

Once a server session is established on an https secure page, the user and the server are in a secured environment.    Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets layer (SSL) protocol.   With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair.   In short, the bank’s server issues a public key to the end user’s browser and creates a temporary private key.   These two keys are the only combination possible for that session.   When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Secure forms must filter through a router and firewall before they are permitted to reach the server.   A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server.   The configuration begins by disallowing all traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your Internet loan application and check reorder transactions are secure.



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